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Archive for June, 2008

June Totals.

June 28th, 2008 at 10:28 am

Just a quick plug. One of my articles got published on Associated content:

Text is 5 Pieces of Financial Advice for the Young Adult, by a Young Adult and Link is http://www.associatedcontent.com/article/809191/five_pieces_of_financial_advice_for.html?cat=3
5 Pieces of Financial Advice for the Young Adult, by a Young...

Well, BF is back. Big smiles there Big Grin We started celebrating his birthday last night. We went to dinner with a few friends (I bought), and then went back to the apartment and smoked the hookah. The sweet melon shisha I bought for him was amazing, per usual. And it'll last a good long while.

The rest of the weekend we'll be celebrating as well. Tonight we're supposed to go out to the bars. I think I may be DD, and only have a couple. My wallet would appreciate it. Tomorrow we're going to the Mongolian BBQ for lunch, and I joined thier email list, so they sent me a coupon for a free stir fry. Thus I'll be eating for free Smile I think we're going over to mom's for dinner tomorrow night, which will be free as well.

So that sums up expenses for the rest of June. My financial July starts as of monday. I did some totalling for June, and the results were a bit more than expected, but overall not bad:


Work Total: $1085.57

Additional Income:
Consignment: $32.50
Free groceries for helping mom move: $12.50
Stimulus Check: $300
Sold book on amazon (after shipping costs): $3.67
B-day present: $50
Babysitting job: $40
Pinecone Check: $3
Sold book on amazon (after shipping costs): $13.09
Sold article on Associated Content: $3.19
Total: $457.95

Total Income: $1543.52

Granted, it wouldn't have been as much without the stimulus payment, but still, I met my goal of $150.

Expenses: budgeted/spent
Rent $0/0
Electric $0/0
Gas $0/0
Internet $0/0
Sprint $67/62.86
Perscription $30/0.00
Groceries tba
Travel $10/43.81
Food on campus/at work $0/20.77
Clothes $0/0
Entertainment tba
Insurance $80.25/80.25
Misc $40/58.33

Entertainment is going to be way above. But BF was also out of town, thus I didn't have someone here paying parts of my bills. haha. I did spend a little too much a couple nights I went out. That hopefully wont happen in July. Travel was more than expected because I went out of town a couple weekends, and BF was gone, thus no free gas from his work :/ I probably wont spend too much in July. The misc was over budget because of B-day gifts for BF. The tin of shisha was $26 on the internet, and the book I bought him at Barnes and Noble was about $30. I spent too much on food at work, but I'll cap that this coming month hopefully.

I've got my budget set for July, and I think I'll do a little bit better than I did in June. Though I'm still pretty happy with my results. There really were no purchases that I look back on and want to kick myself in the butt for. That's a good sign, I think Smile

As for my June goals:

*Keep track of all $ spent. check
*Stay under budget. nope
*Dont touch savings. check
*Dont use CC. nope
*Make/save as much as humanly possible by July 11. check
*Make at least $150 in additional income. check

I only used my CC for textbooks. Though they were terribly expensive. It's hard to stay under budget when you set the standards as high as I do. I should work on that Smile And I'm up to $1510.00 in my savings. I still have a bit to go before the 11th, but we'll see. I did get $1000 funded on lending club, and my listing is open til the 4th. I hope I get at least another $1000...

Well, I'll post my July stuff here in the next few days, after the weekend. Hope everyone his having a great day!

Monday hooplah.

June 23rd, 2008 at 07:16 pm

Well, it was a NSD. Brought my sandwich to work. Made okay money. Not really all that much. I sold a book on amazon, though. And one of my articles got a $3.91 offer on Associated Content. I also heard back from a woman who saw my craigslist post about paper editing. It seems she wants me to edit a children's book she's writing. She lives in the area, we'll be getting together in 2 weeks. So that should pull in a little bit of extra cash.

Also, a friend of my mom's BF said he was looking for an occasional sitter for his 2 girls, and I gave him my number. I guess him and the wife dont get out very often because they dont want to hire a sitter they dont really know. Totally understandable.

I got on the elliptical machine for an hour today, so my workouts have been kept constant. I'm pretty proud of myself, I must say.

At any rate, I should get going. I have cleaning and sleep to catch up on. Everyone have a great night!

Weekend update.

June 22nd, 2008 at 07:42 pm

Well, this weekend was quite profitable. The extra hours at work pulled me in an extra $120 or so.

I applied for a second job tonight, so we'll see how that goes. BF is a little apprehensive. I think he's worried about not seeing eachother very often... I think 2 or 3 nights is pale in comparison to missing him a year he's in Iraq. And it's kind of a necessary evil (you know, paying bills). But we're going to talk it over a little more.

In other news, I took a 10 mile bike ride today, from my apartment to my mom's. It was about an hour and a half, I most definitely felt the burn. lol. Feels good to be active again.

My new class starts this week, so we'll see if I'm going to actually need the book. Hopefully not. That would be awesome if I didn't have to pay $70... I lucked out with my music class. Cross your fingers for me!

As far as my update on Lending Club is concerned, I'm 1/3 of the way to the total funding I was looking for. But if I only get funded for $2000, I'll still be okay. Also cross your fingers that I get that last 2/3!

I think it's going to be a busy week, though I have no idea what my work schedule is like. Guess I'll find out tomorrow. The boss does a terrible job of giving us any notice...

Oh, and BF comes home friday night!!! So there's something to look forward to!

Groceries, loans, BF stuff.

June 21st, 2008 at 07:17 am

Today's Grocery Shopping Trip:

Flat Leaf Spinach $1.49
Avocado $0.79
Whole Wheat Bread $1.49
Bananas $0.88
Light Poppyseed Dressing $0.99
Baby Carrots $0.80
Peanut Butter $1.39
Frozen Berries $2.79
Tub Plain, Nonfat Yogurt $1.59
Soymilk $1.39
Can Butter Beans $0.59
Can Chunk Pineapple $0.79
Tub lowfat Cottage Cheese $2.29

TOTAL: $17.27

There were a couple extras thrown in here. I love avocados, and haven't found them less than $2 each for months, so I decided to treat myself Smile I still have plenty of poppyseed dressing, but like other favorites I've found at ALDI, they dont always continue carrying them, and these were marked "while supplies last," so I figured I'd pay the $0.99 and have an extra. I made a kidneybean hummus the other day, and it was pretty good, so I decided to get another can of beans- white ones- so perhaps I can make a cheaper version of the chickpea favorite BF and I enjoy (he's not a fan of kidney beans). Bread I only buy every other week, same with the berries. And the peanut butter should last me a little while.

In other financial news, I worked a looong day yesterday. My restaurant did a 3-hour event, so I got paid $50 for working that. Also, when we returned from the event, the restaurant was slammed, and I took a table, so I made another $11 or so in tips, and worked a couple extra hours.

I stopped at the bank on my short-lived break yesterday and my request for the other CC was denied. Not suprised, and not really all that bummed about that. I'd rather find a cheaper alternative. Someone put a comment on my last post about lending club, and I signed up, so we'll see if anyone funds me. That would be great. The interest rate would be much, much lower.

I transferred more $ to my savings account, so now I'm up to $1510 Smile

BF and I had a really nice talk last night on the phone. He'll be home friday, so I'm pretty excited. We talked about a bunch of things, but applicable here is the topic of debt. See, I still dont know how much debt BF has. I know he has a considerable amount, mostly CC debt. He made some unwise spendy choices in the last few years, and has been a little embarrased about telling me how much. But he says he wants to sit down and go over it with me. Which I'm incredibly happy about.

Talk about getting married was brought up again, but he's still not decided. We both want to get married, the timing issue is what is up in the air. It's beneficial to us on many levels if we get hitched before he leaves for Iraq (in December)-- financially, emotionally, better for him if I can take care of his stuff when he's away, etc. But at the same time, we dont want to rush into things.

Personally, I'm all for it Smile I guess the girl in me gets excited at the thought of it. But at the same time, I know myself pretty well, and I know it wouldn't be a mistake. There are, of course, things that could happen. But at the same time, things could happen regardless of whether or not he goes overseas.

However, I'm not rushing him into a decision. He can take as much time as he needs to think it over (well, as long as it's before he leaves! haha). But we'll see. There may be a wedding in November, there may not. Either way I'm happy being with him Smile

Well, time to get my day started. I'm going to work out at some point, and I have work at 7:00pm. Gotta make some money!!

Everyone have a great day!

What's a girl gotta do...

June 19th, 2008 at 05:20 pm

...to get a $3000 loan?? Bah. Went to the bank after work today. Needless to say, things didn't pan out as well as I had hoped they would. I cant say I was entirely suprised. Sallie Mae wouldn't give me a $3707 student loan, why would National City give me a $3700 personal line of credit? However, we discussed my options. The only thing we came up with was a possible interest back CC. This is, of course, my last resort. I'll find out tomorrow if I was approved. Aside from that, I really have no plan. The no-credit-no-cosigner loans I found online had even worse interest rates than the CC, and I dont mind paying now. Actually, I prefer it. Until then, however, I am making/saving as much $ as possible.

I took a look at my credit report today. 9 accounts in good standing, no negatives at all. So that's not it. The bank manager said it was my income:debt ratio that's killing me. Understandable. But really, how can these people expect me to pay for my college if I dont have the time to work (due to classes). That being said, I think I'm going to have to bite the bullet and get another job. If not to pay for my classes by July 11, to pay off this newly acquired CC as soon as possible.

I think I'm going to try bartending. I've done a bit at the restaurant I work at currently, and I have a pseudo-in at a local place that seems pretty laid-back, but fun. I'm going there tonight with mom to put in an application (her and her BF go there all the time. Said BF golfs on thier league and such). Even working 3 nights a week or so will pull me in some much needed cash. It'll be difficult, for sure, with classes and all, but I'm a tough cookie. I'll figure it out. It'll be much easier come mid-august when classes end.

Other than that, I have little financial news. Made decent money at work. Mailed that book finally. Funds should be transferred soon, though I hardly made any money on it. I did another pinecone survey, so hopefully I'll be seeing that check at some point. I never did get the first one. Does anyone know how long it takes them to mail them generally?

Also, having issues with etsy and paypal. I want to mail my earrings, but I want to wait til the payment goes through. It's been about 5 days since the purchase, so I would imagine it should be there by now, but nothing is showing up. grr.

Alrighty. Enough rambling. Everyone have a good night!

Catching up.

June 18th, 2008 at 06:40 pm

Well, I'm trying to get caught up with things. My Sprint contract is up the 25th, so I need to get on mom's plan to be with Verizon-- aka talking free to both mom and BF. I had to give her a copy of my bill so she could take it to them and get another phone added to her account.

Also, July 11 is quickly approaching, which means I need to buckle down and figure out how I'm paying for these classes. I did a little more research online, as I know there are places out there that will give me "bad or no-credit loans." But when I looked at the interest rates on those puppies with added "loan fee," also a percentage of what you borrow, I'll end up paying a ridiculous amount.

So I went to National City's page and looked at getting a personal loan. If I get a personal line of credit, I'll still be paying 9.5%, but that's a lot lower than a CC, and even lower than the outrageous student loans I would be paying for. So I'm going to stop at the bank tomorrow and see if I can get hooked up with one. I calculated it out, and if I pay $150/month, it'll take me about 2.3 years to pay off. Of course, after my CC is paid off, all extra money would go to that loan, as I would have to pay it while still in school.

When I think about it, it's an even better idea than getting a student loan, which would just continue to accumulate interest until I graduate. I'd be much more focused on paying it back now if I had to. haha. Of course, I also have a whole heap of debt with a much worse interest rate than 9.5% now... bah. I'm just going to hope that I can pay it off the $3707 loan quick, which doesn't seem to be a problem considering I pulled together $1315 in just a few months...

Let's just hope I get approved :/

In other financial news, brought my sandwich to work yet again. Would have been a NSD, but I bought some shisha online for BF's b-day. Of course, I used the visa gift card dad got me for *my* b-day, so I cant consider it a complete spend. haha. Lucky for me, BF and I will both enjoy that shisha, so I wont feel guilty spending my own gift on his Wink

9 more days until BF comes back from training Big Grin We're going to celebrate his b-day then. We're thinking sushi and a movie, then going back to the apartment to smoke the hookah and have a couple drinks, and enjoy eachother's company after 3 weeks of being apart. Sounds like a fantastic evening to me!

Guess that's enough rambling for now. I should probably continue cleaning, or do my paper, or something Smile

Tuesday updates :)

June 17th, 2008 at 02:39 pm

Well, it's been a couple busy days... all is well on the financial front. Tips at work have been pretty solid thus far this week Smile I'm also working saturday night this week, which should be lucrative. Also, my boss wants me to help cater a luau on friday evening, so that should be fun and make me some money.

Today was a no-spender. Took my sandwich to work again!

Some fantastic news... I sold my first item on etsy Smile That was pretty exciting. I'm waiting for my paypal payment to go through, and then it's off to the post office to mail those earrings Smile Also need to mail the book I sold on amazon still, I was waiting to do it in one trip.

Other than that, things are pretty low-key. Mom picked up my laundry yesterday and washed it, which was some pretty sweet laundry service Smile I'm going over tonight to pick it up and hang out with lil sis, who I guess is a little lonely in the new apartment. Mom hanging out doesn't seem to help, but I guess that's what happens when kids hit the teenage years.

Really looking forward to BF coming home next weekend. Still not sure what I'm doing for his birthday-- aside from cleaning the apt top to bottom. his car, too. But I want to buy him a little something. We've been talking a lot lately about him leaving for overseas come December. I'm a bit exhausted from such emotional conversations, but it seems we're really coming to understand each other and how we feel, which is great.

Also, I made thee best salad last night, and figured I'd share:

Chunk pineapple
cottage cheese
poppyseed dressing
tiny bit of shredded cheese.

Everything can be bought at ALDI for very little $, of course Smile

Hope everyone has a great night!

Busy weekend! And some plugs. lol.

June 15th, 2008 at 01:11 pm

So this weekend was a busy one. Friday I got off work and hit the craft store, then spent some time making a couple new items. Then met mom out, then saw a show, then went home and went right to sleep.

Yesterday I went to this parade in Cleveland, and that was a lot of fun. I ended up spending the night there because an old friend of mine was in town and we went to a party. Needless to say, it was too late and I was a bit too intoxicated to drive. It was a blast, and I was so happy to see him (it was the first time in over 3 years), but 2 nights of staying up late have caught up with me.

So today I'm feeling pretty tired. I'm trying to be productive despite all that. I made another pair of earrings and put my 3 new items up on etsy. Here are some pics:

Text is http://www.etsy.com/view_listing.php?listing_id=12551200 and Link is

Text is http://www.etsy.com/view_listing.php?ref=vl_other_2&listing_id=12551266 and Link is

Text is http://www.etsy.com/view_listing.php?ref=vl_other_2&listing_id=12590311 and Link is

I sent that email to the nurse, so hopefully she'll send it along Smile

I also published a new poem on associated content, so hopefully it'll get some page views. If any of you guys enjoy poetry, you should check mine out (I like to think it's pretty good). You can also listen to one of my songs there:

Text is http://www.associatedcontent.com/user/105776/tara_dawn.html and Link is

And I sold a book on amazon. Yay! There's $5 more that I can add to my tuition payments.

Well, I think I'll stop barraging everyone with my plugs now Smile

Hope everyone has a great night!

Medical hooplah and little odds and ends.

June 12th, 2008 at 12:18 pm

Well, I had class, then went to the University health services. I had an appointment at 9:30am. As it turns out, I have a viral infection in my throat, but I basically have to ride it out. Still hurts to swallow, and again last night I kept continually waking up. But other than that, I feel fine. Perhaps a bit tired.

The best news? The visit was free, and they even gave me cough drops and a few allergy pill samples (they said it might help). Also, I found out that my university offers discounted massages in the wellness center, so I signed myself up for a much-needed 30 minute massage for $15. You really cant beat that price, and with the amount of stress I've been in lately, I can sacrifice in order to enjoy that luxury Smile

I got pretty worried about my throat, and it got me thinking today about how much it would cost had I needed to go to the regular doctor's. I no longer have insurance because mom and step-dad split. After all of this tuition mess is taken care of, I'm going to start a medical EF. Mom is getting me just-in-case insurance, but it'll only cover things after the first $1000, but I'm going to need that $1000 on hand if things do come up...

A funny thing happened at the doctor's this morning. The nurse commented on how much she liked my earrings, and I mentioned that I made them. She said, "really?" and I said, "yeah, I make jewelry and accessories." She asked if I sold them anywhere, and I told her online. So she gave me her email address for me to send her links Smile It was definitely a nice start to my day!

Also, my missing bobbin case came in the mail today, so my sewing machine is up and running. Need to start working on some projects now Smile I meant to run to the craft store today, but it's not looking like I'm going to have enough time. Tomorrow I dont have class, so I'll probably go after work.

Tonight I'm going over to mom's to hang out. Lil sis is having a sleepover. Mom is going to need another big girl to hang out with Smile

And last, but not least, once again made good money at work. $55. It's been a good work week. I'm not complaining!

Hope everyone enjoys the rest of thier day!

Challenge update.

June 11th, 2008 at 12:33 pm

Well, I yet again made good money at work today... $50.96. I stopped at the bank and made a deposit on my way home. Then transferred $110 more to my challenge money. So that brings me to $1145. Not bad for less than 3 months...

I need to get some homework done and go to BF's twin's. It's thier birthday today, and they're having a cookout. Then I have to duck out early to go to class :/ Bah.

At any rate, I should get on that homework. I hope everyone has a great day!

Work, BF stuff, and puppy rambling.

June 10th, 2008 at 06:51 pm

Well, I worked later than usual today. I made a decent amount of money for a lunch shift-- $40.76. I also got paid today, an extra $80 for 2 weeks (that's including the week I missed a few days of work). I'm out of actual bills to pay this month, so most of the money I'm making will go straight to my challenge/tuition money. I need to make a deposit at the bank so I can move the funds around.

I went out last night to have a couple drinks with a friend. I spent more than I had planned to, and more than I probably should have. Mostly due to the fact that I cant have 2 glasses of wine without eating something (especially before I drive home). My bill ended up being $22.50. That's 2 glasses of wine ($6 each), an appetizer ($9- that's what got me), and tip.

The rest of the week may end up being a bit spendy. Tomorrow I have no plans, nor tonight. Thursday I'll likely spend in. But friday night I'm going to see a band play down the street. As long as I dont buy more than one drink (or any) I'll be fine. Saturday I'm going to Cleveland to see a parade and listen to the orchestra for class. That's actually free, but a friend of mine is going to the Mongolian BBQ with a bunch of friends, and I'm supposed to go as well. That'll probably be a $15 check. That night I'm possibly going to my ex's graduation party/BBQ. That'll be low-cost. Sunday I'll be recouping. haha.

BF's Birthday is tomorrow, and I have yet to decide what I want to get him. I have some time, because he wont get home from his training til the 27th, but I want to find something inexpensive but nice.

Speaking of BF, we've been having some pretty intense conversations as of late about him going overseas in December. I think up til now it's seemed far off. It's getting closer, and he seems to be worrying about it quite a bit. The reality of the situation is kind of staring us in the face. But the conversations are starting to take an optimistic turn, which I'm relieved about.

He keeps saying he doesn't want to string me along, that he doesn't want to hold me back, make me lose a year. He wants me to do what I want and not wait for him. He feels bad. I keep telling him that waiting is exactly what I want to do, and I would still be living my life. Time doesn't stop when he's away. lol. I know he just wants me to be happy, and things are definitely impossible to predict. But I know that there's no one else I want to be with. So my mind is made up. As long as he wants me to be there when he gets back, that's where I'll be Smile

The conversations are stressful, and can be difficult, but each time it gets a little better and we both feel a little more confident that things will be okay.

When he gets back from this training we're going to look for an apartment. The lease is up in the beginning of August, so I'm going to have a few appointments set up for the week he comes back. We want to find something a little bigger. And because I decided that I'm going to get a dog when he leaves for Iraq, we need somewhere that is pet friendly.

That's right. I'm finally getting a puppy Smile I figure I'm going to need *someone* to cuddle with while he's away. No one could replace BF, but an adorable dog would most certainly help the situation Smile I've always wanted a dog anyway. And I have mom to help watch him, and mom's dog for him to play with, so I'll be better suited to take care of him.

I guess I'll stop here. All the rambling is probably driving you guys mad Smile Just a lot on my mind, I suppose. Hope everyone has a great night

[Almost] Free Groceries and Weekend Money News

June 8th, 2008 at 07:04 pm

I tried posting yesterday, but the site went all whacky. At any rate... Yesterday was a busy day. I spent the morning running around. BF is at some 3 week training thing for the military. I had to drop him off at about 6:30am. Quite a bit early. I ended up going to my mom's to give her the anklet I made for her. It matches the necklace I made for myself, both were made using shells I got from the beach vacation we took at the beginning of May. Picture:

I stopped at the consignment shop that I have clothes at, and I've made $32.50 so far. Not bad. She wrote me a check, so I'll deposit that and put it toward my challenge money. I made earrings to match the bracelet I made the other day. I'm feeling pretty good about them:

Went to PA last night for a friend's party. It was nice to see all my friends from there. It's strange to me that I've already been away for a month. I missed them terribly. I did buy one bottle of cheap champagne ($8) and subway yesterday (another $8 roughly), paid tolls and put $15 in the tank on the way home, which I'm hoping will get me to Cleveland and back next weekend. Overall, it wasn't a terribly expensive trip.

I got home at about 1:00pm, just in time to help my mom pack and move some of her stuff. In exchange for my help, however, she bought my groceries Smile I was at a $12.50 budget, but I probably spent just over that (when you know you're not paying, you tend to get a couple extras), but I'm going to mark it down as $12.50 saved on the grocery budget. What did I buy?

Shredded Taco Cheese (I want to make quesedillas)
Canned tomato
Granola Cereal
Olives (staple of my diet)
Canned Pineapple
Poppyseed Salad Dressing

The salad dressing, soymilk, and pineapple were not planned purchases, but didn't up the bill too high.

In addition to paying for my groceries, mom treated me to Panera for dinner. So double yay for mom. All I had to do was help pack and load her stuff in 100-degree weather. Bleh.

At any rate, now is time for shower, homework, and sleep. Perhaps just shower and sleep. I'm exhausted! Hope everyone has a great night!


June 6th, 2008 at 01:43 pm

I did my first pinecone survey today, so I should have a $3 check coming my way soon. I made somewhat decent money at work today... $27.96. Not great, but not terrible. I really need something [more] on the side.

Having said that, I did find a babysitting job tomorrow morning for a few hours, so that'll be about $30.

I listed my bracelet on etsy. I plan on making a few more things here in the next few weeks. I also need to exchange my sewing machine. The bobbin case was missing for some reason. So a trip to Target is in order. I want the machine up and running so I can use it.

Other than that, I have no real news. BF leaves tomorrow morning for a 3 week training thing for the military. Blah. Not sure if he's taking the car or not, so we'll see.

Not sure what my plans for tonight are. I've been pretty tired all day. I've been thinking too much lately. Hope everyone has a nice evening.

Very first bracelet :) And ramblings about my future.

June 5th, 2008 at 06:52 pm

So today I went to class, then work. I made $45, which is pretty good for a lunch shift. I'm happy to report this Smile After work I went to the craft store to use one of my gift cards. I ended up buying some beading stuff. I got a set that came with 2 kinds of pliers and wire-cutters, as well as these fancy tweezers. Also I bought some beads, wire, and this 3-clasp thingy. I know no technical names for anything, I just bought what looked good together. I wanted to make myself a bracelet.

After my night class, I did it. It didn't take me very long, which is nice. I'm used to having to spend days crocheting something. This was a bit trying for my first time, but I think it turned out great. It's so very "me." And I have plenty of beads and wire left for other projects as well. I have to say it was money well-spent. Here's a picture, let me know what you think!:

So now I'll have to add jewelry to my repetoire of things I can make to sell. Woo hoo!

So I've been doing a LOT of thinking about my future and what I want to do with it. I've come to the conclusion that I'm pretty stressed about the level of debt I've already accumulated. And the closer I get to graduating, the more I dread spending 6+ more years in school pursuing my PhD. I've thought about my options, and what I've been feeling lately, and I think I may change courses again in life.

From the 3rd grade on, I've been starting "businesses." In 3rd grade, a friend of mine and I made paper bookmarks and sold them to classmates for dimes. In the 6th grade, friends of mine and I started a "beadie baby" business.. making bead animals and turning them into jewelry. We made a decent amount for 6th graders. haha. Toward the end of middle school I picked up babysitting and networked my way into quite a few summer jobs. At the end of highschool, I started playing music and marketing myself to coffee shops, on the internet, etc. So I think it's safe to say that I'm a business minded person.

Now I'm attempting to do crafty things and sell them again (though it's been a slow start). But I think later in life I'd like to start my own *real* business. I've always loved the thought of owning my own restaurant, or lately, hookah bar. haha. But this is a long-term goal. I think it sprung from an idea I had a few weeks ago.

I love this site. I love working with money. I love keeping track of every penny I earn/spend, and I love researching new ways to make money on my money, save the money I have, and find new ways to make more. When I was a business major initially, I loved my accounting course. It was easy for me, and incredibly practical.

So I'm thinking about getting my master's in accounting after I graduate in the fall. It's a funny idea, considering I'd be going full-circle (I switched majors umpteen times, and yet started out as a business major). I dont need to have a BA in accounting to get in the program, it's about 2 years to get the degree, there is a scholarship that would grant me full tuition plus stipends. And I would be certain to get a job.

I think I'd like to start my own consulting business. I'd like to do what I do for me, but for other people. Businesses or personal instances. I think it sounds like something I would be great at, and it's something that wont take me a decade to achieve.

Actually, the program I'm looking at has the possibility of starting in the spring, so if I started it next spring (the semester after graduating), I'd be almost done with the program by the time BF gets home from Iraq. Not only that, but I'd stay in my hometown, something I'm keen on doing because my family/friends are all here.

Also, I figure if I go the PhD route, the interest on my already ridiculous loans will double my debt by the time I get a job. Not to mention, if I go ahead and get my master's in psych, I wont find a program with tuition waiving, and jobs wont be quite as available.

I'm becoming really reluctant to stay in school that long. I want to start my life. I want to be a grownup (finally). I want to start a family. I never expected to hear those things come out of my mouth, but I underestimated how important these things are to me.

Well, that's enough rambling. I'm still reviewing my options. I just needed to get it down. Let me know if you guys think I'm crazy (which I am, but some encouragement wouldn't hurt! haha).

Hope everyone has a great night!